Loan with a local credit union..

[RiverDave]

I am a little unsure what to do here.. I have (thought I “had”) a loan with a local credit union. I thought I had paid it off or close to it a little while ago.

Anyhow long story short they are saying I am behind on a payment via a letter. I’d like to pay the thing off but the branch is closed and they don’t answer the phone?

Letter I got says if I don’t pay soon it will be reported to credit agencies?

I don’t have online setup.. and I don’t think I can pay anything threw their atm.

RD

 

[mjc]

Which credit union?

 

[Motor Boater]

I’d go online and set everything up and pay it

 

[Nordie]

I am a little unsure what to do here.. I have (thought I “had”) a loan with a local credit union. I thought I had paid it off a little while ago but I guess I didn’t.

Anyhow long story short they are saying I am behind on a payment via a letter. I’d like to pay the thing off but the branch is closed and they don’t answer the phone?

Letter I got says if I don’t pay soon it will be reported to credit agencies?

I don’t have online setup.. and I don’t think I can pay anything threw their atm.

RD

There might be a line of credit selection on the ATM, but you would probably need a debit card for that account. Credit Unions always seem to be a pain to get a hold of. What about an old fashioned check in the mail? Or if it's a local CU maybe they have a drop box?

 

[Hypnautic]

Bank /CU is only allowed to stay closed for no more than 3 days.
Wait till Monday?
Are they part of the Co-op system? If yes, another CU may be able to accept the payment? Pretty rare that they will accept a deposit but they could if they have agreement with other CU.
Mail them a check. They will have to honor the postmarked date. FedEx might be better.

 

[rivergames]

This would be my first step: Go on their website and get a contact email and email them the issue you are having.

 

[RiverDave]

There might be a line of credit selection on the ATM, but you would probably need a debit card for that account. Credit Unions always seem to be a pain to get a hold of. What about an old fashioned check in the mail? Or if it's a local CU maybe they have a drop box?

Good idea I am driving down to see if they have one

 

[FishSniper]

I am a little unsure what to do here.. I have (thought I “had”) a loan with a local credit union. I thought I had paid it off a little while ago but I guess I didn’t.

Anyhow long story short they are saying I am behind on a payment via a letter. I’d like to pay the thing off but the branch is closed and they don’t answer the phone?

Letter I got says if I don’t pay soon it will be reported to credit agencies?

I don’t have online setup.. and I don’t think I can pay anything threw

I am a little unsure what to do here.. I have (thought I “had”) a loan with a local credit union. I thought I had paid it off a little while ago but I guess I didn’t.

Anyhow long story short they are saying I am behind on a payment via a letter. I’d like to pay the thing off but the branch is closed and they don’t answer the phone?

Letter I got says if I don’t pay soon it will be reported to credit agencies?

I don’t have online setup.. and I don’t think I can pay anything threw their atm.

RD

Have you tried calling the number on the back of the debit card you have through them ? Sometimes that is a different number then the usual local number and they usually have someone pickup Incase ppl need to get ahold of them cause the card was lost or stolen. The credit unions are usually very good about waiving fees etc if they tried to tack any late fees on if you can get ahold of them and explain they’ll probably waive them.

 

[SkyDirtWaterguy]

Say fuck it and take your time. After all it’s the Corona Virus’ fault. Everyone else is using that excuse.

 

[RiverDave]

Have you tried calling the number on the back of the debit card you have through them ? Sometimes that is a different number then the usual local number and they usually have someone pickup Incase ppl need to get ahold of them cause the card was lost or stolen. The credit unions are usually very good about waiving fees etc if they tried to tack any late fees on if you can get ahold of them and explain they’ll probably waive them.

I called the number on the paper. I don’t have a debit card from them. I am driving down today and hopefully they have someone in the branch.

All the other banks around here haven’t been open though so not sure.

 

[Instigator]

So you own a website Dave and you don't pay online?
I'm shocked.

 

[Cobalt232]

So you own a website Dave and you don't pay online?
I shocked.

My daughter's landlord in SF was one of the creators of Venmo. He will only take a personal check for rent. Go figure.

 

[RiverDave]

Well this story just took a very interesting turn.. .

I went down there and the branch was open and it was.. Went inside and said I received this letter, she pulled up the loan and said "Yep here it is your balance is 7K." I was like... Uh... no. I came down here about a month ago and that balance should be 1K, plus an additional payment that auto withdrew so more like 750.00. I am armed with 1K in my pocket figuring I'd just pay it off while I'm there.

She says "Do you have your receipt?"

Now I'm desperately trying to remember if I wrote an rdp check for it or if I paid cash.. if I paid cash, I think I just learned a very expensive lesson about keeping receipts for shit like that. If I paid with a check, I'm golden.

Sadly for some reason I fleeting memory of sitting with the actual loan chick and counting out cash.

Gotta look into it this weekend.

RD

 

[renodaytona]

Bummer if its the cash part of that situation.

 

[ElAzul]

I would consult with Tim from OCM heard he knows all the work arounds

 

[RiverDave]

Bummer if its the cash part of that situation.

I'm gonna find out... but yeah that's gonna suck if it was. .

RD

 

[KMH]

If it comes down to it have them check there camera's. The person who helped may have pocketed the cash. Good Luck hope it works out in your favor.

 

[D19]

A few years ago I deposited $5,000 cash at the teller. A day later I noticed the money was not in my account. I lost the receipt so it was hell trying to figure out what happened. Long story short, the teller deposited the money into the wrong account. I gave them the date and approximate time of the transaction and they were able to pull teller records at the branch. Still took over a week from there to get the money credited into my account. The following day I found the receipt. LOL.

If you know when it happened, your bank might be able pull the teller record for you.

Now I always ask for a balance slip before I leave the counter.

 

[RiverDave]

If it comes down to it have them check there camera's. The person who helped may have pocketed the cash. Good Luck hope it works out in your favor.

I'm not even 100% sure I"d know when it was? It was before all this Corona Virus shit..

I think I texted Stacy on the day I went and paid it. I don't know if there camera footage will go back that far or not.

RD

 

[LargeOrangeFont]

I'm not even 100% sure I"d know when it was? It was before all this Corona Virus shit..

I think I texted Stacy on the day I went and paid it. I don't know if there camera footage will go back that far or not.

RD

Then you know the day you went in.. start there. If you were there, there will be a record, hopefully.

 

[RiverDave]

Then you know the day you went in.. start there. If you were there, there will be a record, hopefully.

Went thru the texts.. I cleared the texts between her and I last week. . Going to look for receipt today

 

[LargeOrangeFont]

Went thru the texts.. I cleared the texts between her and I last week. . Going to look for receipt today

You are really screwing yoreself on this one.

Let me guess, you pulled the cash out of the safe too so no record of a withdrawal lol.

 

[FishSniper]

Went thru the texts.. I cleared the texts between her and I last week. . Going to look for receipt today

Try to figure out an approximate date because there are two scenarios the person u gave the cash too took it or deposited in a wrong account/ paid off or credited to the wrong loan. The bank should be able to check for that deposit amount in their records and/ or be able to review the footage. I’m not sure how long banks would have to keep recordings but I would imagine they would keep it 30/60/90 days. Try to get the date range and go in next week speak to a manager and explain the situation and it should be able to be cleared up.

 

[lakemadness]

Strong accounting system you have there ole RD...

 

[SoCalDave]

I find it hard to believe that a financial institution would not have someone answering the calls.

 

[bowtiejunkie]

So the bank is saying you owe $7k and you say $1k (minus a possible $250 payment)? Nobody answering phones. Damn, what kind of fly by night credit union is this? Register online and check the account activity statements. The bank will have records of cash received and loan payments. Narrow down the days and request that they review the records for those days.

Time to request receipts for everything financial and start filing up file cabinets!

 

[Melloyellovector]

Moral of the story- When your drunk and feeling baby baller status.
Don’t text Stacy saying yes I paid loan with that cash, what the hell else would I do with it?

 

[monkeyswrench]

About three years ago I had this type of thing happen. For my daughters braces, the orthodontist offered a pretty healthy discount to pay up front. Maybe 2-3 appointments later, couple months at least, the office staff calls me to notify me I am behind on payment. The next day, I was in the office, asking to have a quick word with the doctor and secretary. Quickly taken care of in my case...the Dr squirreled away some money. Daughter's teeth came out great, that was the important thing.

 

[RiverDave]

I find it hard to believe that a financial institution would not have someone answering the calls.

Call the number.. lol. I did Then the bank today and.. here we are

 

[RiverDave]

You are really screwing yoreself on this one.

Let me guess, you pulled the cash out of the safe too so no record of a withdrawal lol.

Some of us aren’t as organized as you...

Moral of the story- When your drunk and feeling baby baller status.
Don’t text Stacy saying yes I paid loan with that cash, what the hell else would I do with it?

View attachment 874897 View attachment 874896 View attachment 874895

Lol.

 

[RiverDave]

So the bank is saying you owe $7k and you say $1k (minus a possible $250 payment)? Nobody answering phones. Damn, what kind of fly by night credit union is this? Register online and check the account activity statements. The bank will have records of cash received and loan payments. Narrow down the days and request that they review the records for those days.

Time to request receipts for everything financial and start filing up file cabinets!

I paid it.. there is more to the story coming soon I am sure. Either I got dimentia and am completely fucked up.. and my wife’s memory is fucked up too.

Or I gave someone a ton of cash and didn’t save a receipt. Or it’s a banking error. Or who knows maybe we find the receipt?

Either way it’s all new to me. I’ll figure it out.

Depressing no matter What.

 

[RiverDave]

About three years ago I had this type of thing happen. For my daughters braces, the orthodontist offered a pretty healthy discount to pay up front. Maybe 2-3 appointments later, couple months at least, the office staff calls me to notify me I am behind on payment. The next day, I was in the office, asking to have a quick word with the doctor and secretary. Quickly taken care of in my case...the Dr squirreled away some money. Daughter's teeth came out great, that was the important thing.

We will see how this turns out.. but I’m hoping it’s like that. Quick and easy. Obviously at a bank it isn’t gonna he like that but I hope there’s some Kinda something..

 

[Nordie]

I have had this happen to me, made a deposit into a different account. Well the teller did, he typed in one number wrong. In my case a phone call to Chase and they were able to track it and fix it. Hopefully you get the same result.

 

[DuttonDave]

Well this story just took a very interesting turn.. .

I went down there and the branch was open and it was.. Went inside and said I received this letter, she pulled up the loan and said "Yep here it is your balance is 7K." I was like... Uh... no. I came down here about a month ago and that balance should be 1K, plus an additional payment that auto withdrew so more like 750.00. I am armed with 1K in my pocket figuring I'd just pay it off while I'm there.

She says "Do you have your receipt?"

Now I'm desperately trying to remember if I wrote an rdp check for it or if I paid cash.. if I paid cash, I think I just learned a very expensive lesson about keeping receipts for shit like that. If I paid with a check, I'm golden.

Sadly for some reason I fleeting memory of sitting with the actual loan chick and counting out cash.

Gotta look into it this weekend.

RD

Ask for a copy of your account postings debit/credits? That would show all of your payment activities. If she gave you a cash receipt, it would be computer generated and hopefully posted to the right account. Also try to remember the date of payment so they CU can review their cash payments that day.

 

[dezrtracer]

Went thru the texts.. I cleared the texts between her and I last week. . Going to look for receipt today

Did Stacy clear her text messages too ? Maybe she has them . Hope all this works out .

 

[RiverDave]

You are really screwing yoreself on this one.

Let me guess, you pulled the cash out of the safe too so no record of a withdrawal lol.

I honestly can’t remember if it was cash or a check, but I am
Leaning towards the green.. .

 

[RiverDave]

Did Stacy clear her text messages too ? Maybe she has them . Hope all this works out .

Ooohhh. Good idea!!

 

[RiverDave]

Moral of the story- When your drunk and feeling baby baller status.
Don’t text Stacy saying yes I paid loan with that cash, what the hell else would I do with it?

View attachment 874897 View attachment 874896 View attachment 874895

Lol.. not so much

 

[Wheeler]

I spotted this guy around the corner from your
House today.

When I broke out the camera he hightailed it. Funny trailer hitch .

 

[fmo24]

Repo rig?

 

[Cuse Alum]

If it’s a CU and you have a loan you have to have at least a savings account. Maybe the teller put it into your savings or checking account with them instead of paying down the loan. Check that...


Sent from my iPhone using Tapatalk

 

[RiverDave]

If it’s a CU and you have a loan you have to have at least a savings account. Maybe the teller put it into your savings or checking account with them instead of paying down the loan. Check that...


Sent from my iPhone using Tapatalk

I’m going to go down there tomorrow am and get it figured out.

 

[RiverDave]

I spotted this guy around the corner from your
House today.

When I broke out the camera he hightailed it. Funny trailer hitch .

View attachment 875435

I hate that guy! Lol.

 

[zhandfull]

Repo rig?

Business is picking up!
I always watched Reponut on youtube. It was pretty good till his wife died, then his rig got repo'd. Was actually really sad to watch his life fall apart after she died.

 

[Lunatic Fringe]

Business is picking up!
I always watched Reponut on youtube. It was pretty good till his wife died, then his rig got repo'd. Was actually really sad to watch his life fall apart after she died.

That's a shame.
I watched a bunch of his videos but never saw much after her death.
I can't imagine how difficult it must be.

 

[Motor Boater]

I made a Cash deposit at my credit union a while back. When I got home I looked at my balance and the money wasn’t there. I looked at the receipt and saw it wasn’t my account number. The guy asked for my ID but clearly didn’t verify the account. I had to drive back to the bank and sit there while this guy and a manager tried to unravel the situation.

 

[getoffmylawn]

Went thru the texts.. I cleared the texts between her and I last week. . Going to look for receipt today

Time to hit the bottle and jog your memory. What else did you do that day?..........

 

[RiverDave]

I made a Cash deposit at my credit union a while back. When I got home I looked at my balance and the money wasn’t there. I looked at the receipt and saw it wasn’t my account number. The guy asked for my ID but clearly didn’t verify the account. I had to drive back to the bank and sit there while this guy and a manager tried to unravel the situation.

At this point I think my only option is to find the receipt.. which I’d give it 50:50. I am going to go talk to the lady that I talked too. But without that receipt and over two months ago.. I’m thinking that isn’t gonna work out or she’s just gonna say “nope don’t remember.”

My hopes aren’t all that high at this point.

 

[RandyH]

Sometimes I have to look at my photo gallery , look up the metadata on the picture , to find dates of where I have been and when. Did you take any pics that day?

 

[gqchris]

At this point I think my only option is to find the receipt.. which I’d give it 50:50. I am going to go talk to the lady that I talked too. But without that receipt and over two months ago.. I’m thinking that isn’t gonna work out or she’s just gonna say “nope don’t remember.”

My hopes aren’t all that high at this point.

This sucks Dave. I would be a fireball at this point. Any luck with Stacys texts to get a time frame? Do you remember doing any emails or pictures that day maybe also to put a date to it?